Visa Credit Cards

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Consolidate Your Holiday Spending Today.

One Card. One Payment. One Great Low Rate.

Chances are that your mailbox is full of credit card offers featuring low teaser rates and short-term incentives — and they are all usually accompanied by a great deal of fine print! Fortunately, USSFCU offers two great alternatives, the Visa® Smart Rate and Visa® Smart Rewards credit cards, both designed with special features to meet our member’s credit card needs.

Unlike many other credit cards, USSFCU Visa® cards have no hidden costs, annual fees, or disappearing promotional rates. With a USSFCU Visa® Smart Rate or Smart Rewards credit card, you will enjoy consistent, low-interest rates; the ability to track and manage your account 24/7; emergency 24-hour card assistance; and free auto rental collision insurance. USSFCU Visa credit cards can be used wherever Visa® is accepted worldwide.

Apply Online! If you are a member, log in to CUAnyHour+ Online Banking and click on the "Apply for Loan" tab to get started.

Not a member? Not a problem. With 140 plus paths to membership, joining is simple and easy. Join today.

If you are not a member but would like to apply for a loan, first apply for USSFCU membership. Once you become a member you can apply for a loan through CUAnyHour+ Online Banking.

Which USSFCU Visa® credit card — Smart Rate or Smart Rewards — is right for you? Visit our Compare Our Cards page to find out more.

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smsGuardian — Text Alert Fraud Protection

To further safeguard member debit and credit cards from potential fraud, USSFCU is proud to offer its members the smsGuardian™ text alert system free of charge. smsGuardian™ provides USSFCU members with an added sense of security by sending texts whenever their USSFCU cards are involved in transactions often associated with fraudulent activity.

smsGuardian™ is easy to use. Whenever members receive smsGuardian™ texts about transactions they believe to be fraudulent, members need only reply to the texts to stop the transactions and freeze their accounts. If you think that the transaction is fraudulent, simply reply to the text message and your card will be blocked and a new one will be reissued as soon as possible. If you receive this message and you know the purchase is legitimate, you don’t need to do anything.

How It Works

Every smsGuardian™ text notification a USSFCU member receives will contain the following information: the last four digits of the member’s card; the name of the merchant; and the amount of the transaction.

But that doesn’t mean smsGuardian™ texts members about every transaction! On the contrary, smsGuardian™ focuses specifically on the types of transactions that often suggest the possibility of fraudulent activity.

For USSFCU Visa debit card holders enrolled in smsGuardian™, this means they will receive smsGuardian™ texts regarding the following transactions:

  • International transactions
  • Fuel transactions
  • Authorizations of greater than $200
  • Purchases made without a card present       

USSFCU members enrolled in smsGuardian™ for their USSFCU Visa credit cards will receive smsGuardian™ texts for the following types of transactions:

  • International transactions
  • Authorizations greater than $500
  • Purchases made without a card present

It’s easy to sign up for smsGuardian™ — and it’s just as easy to stop receiving smsGuardian™ texts if you find it’s not for you! Simply reply “STOP” to any smsGuardian™ message you receive.

Sign up to today and give smsGuardian™ a shot!

Data carrier rates may apply.
Advanced Risk Detection Technology

Verified by Visa enrollment is no longer required on our US Senate Federal CU credit cards, but rest assured that your Visa card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which eliminates the need for passwords, allowing you to shop without interruption.